+ Resources

Tangible
A business ecosystem Synergy within the seven business groups of Alibaba
An expanding user database
Ample financial resources
Possession of a Chinese Bank license

Intangible
Good relationship with the Chinese Government GuanXi
Cooperative relations with a number of Chinese banks
e.g. China Construction Bank, Bank of China
Chinese market knowledge and expertise
Innovative corporate culture across the entire company
A sustaining corporate reputation of integrity; well-established customer trust and
rapport

Human
Majority of workers are tech experts
Technological experiences and know-how/ intellectual property
Good relationships with over 14 key logistic partners

MIMT 5120, Strategic Management in Asia

21/10/14

+ Capabilities

Ant Group

Advanced EFinance Portal

Catering to Chinese
Customers

Personal Lending
based on
Proprietary Model of
Determining
Creditworthiness

SME Lending &

Micro-Finance Suite
of Products

MIMT 5120, Strategic Management in Asia

Deposit Service
with Competitive
interest rates

Retain Trust &

Security with
Innovation & IT
Prowess

21/10/14

+ Resources & Capabilities: Analysis

Resources/
Capabilities

Does It
Add Value?

Is it a
Rarity?

Is it
Inimitable?

Does the firm

have
Organization
suited for this?

Competitive
Implementation

Performance

Ecosystem

Sustained
Competitive
Advantage

Sustainable
Above Normal

Trust

Sustained
Competitive
Advantage

Sustainable
Above Normal

Customer
Base

Temporary
Competitive
Advantage

Temporary
Above Normal

Innovation &
IP

Sustained
Competitive
Advantage

Sustainable
Above Normal

Banking
License

Competitive
Parity

Normal

Temporary
Competitive
Advantage

Temporary
Above Normal

Sustained
Competitive
3
Advantage

Sustainable
Above Normal
21/10/14

Guanxi

Financial
Strength of
Ant Group

MIMT 5120, Strategic Management in Asia

+ Resources & Capabilities: Analysis

Resources/
Capabilities

Does It
Add Value?

Is it a
Rarity?

Is it
Inimitable?

Does the firm

have
Organization
suited for this?

Competitive
Implementation

Performance

Ecosystem

Sustained
Competitive
Advantage

Sustainable
Above Normal

Trust

Sustained
Competitive
Advantage

Sustainable
Above Normal

Customer
Base

Temporary
Competitive
Advantage

Temporary
Above Normal

Innovation &
IP

Sustained
Competitive
Advantage

Sustainable
Above Normal

Banking
License

Competitive
Parity

Normal

Temporary
Competitive
Advantage

Temporary
Above Normal

Sustained
Competitive
4
Advantage

Sustainable
Above Normal
21/10/14

Guanxi

Financial
Strength of
Ant Group

MIMT 5120, Strategic Management in Asia